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[object Object],“ As an IT company and if we want to sell products rather than services, we have to understand the trend to offer the right products.”
Since 1997, Asia has gone crazy… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],The list can go on, the key is these key changes have changed  “ our” mentality and behavior to manage our $$$.
Change of Mentality & Behavior ,[object Object],[object Object],[object Object]
客户 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ We all need to manage our $$$, and that’s investment & wealth management.”
公司 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ This is exactly what Cash Management & Investment is all about.”
金融机构 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ They all lead to Cash Management, Wealth Management & New Channel Approach.”
What do “They” need? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ These are the hottest topics now, and they will be for the next 5 years.”
Product Summary   产品概述 ,[object Object],[object Object],[object Object]
Topics ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Multi-Bank Liquidity Management, Example - Bank Y  Internet  Banking Phase 1 – Balance Consolidation Phase 2 – Sweeping Funds “ No need for the banks to cooperate, Actually they don’t even know.” Bank Y Multiple 3 rd  Party Banks
5 .  Central Product Warehouse
The Solution ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PDNet (Product Distribution Net)
Sales & Distribution Chain ,[object Object],Financial Institution Branches Agents Products Distribution Network Customers Financial Institution Product Provider Financial Institution Branches Agents Products Distribution Network Customers Branches Agents
为什么多数的银行不能使用网上银行? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
投资商品分销平台 (PDNet)   ,[object Object],[object Object],[object Object],[object Object],[object Object]
Case I   ,[object Object]
Case II   ,[object Object],[object Object],金融机构   金融机构   金融机构   分行   代理商   客戶 客戶 客戶 发布网络   商品提供者   商品
Case III   ,[object Object],[object Object],[object Object],分行   金融机构   分行   代理商   客戶 客戶 客戶 发布网络   商品提供者   商品 金融机构   代理商   金融机构   分行   代理商   客戶 客戶 客戶 发布网络   商品 客戶 客戶
PDNet For Financial Product Cycle
PDNet Example 1 - Bank X Treasury Products Distribution Augmented by Managed ASP Services White Label Bank Branches Agents Distribution Network Customers White Label Bank Branches Agents Distribution Network Customers Hong Kong ASP Bank X License China Taiwan Korea Bank X Europe Bank X Latin America Bank X Internal Community White Label External Community
PDNet Example 2 - Investment Megamart ASP ,[object Object],[object Object],[object Object],FI FI FI FI FI ASP Agent Agent Agent Products Distribution Direct Clients Content
开放投资产品门户 ,[object Object],[object Object],[object Object],产品 分发 “ Should this be done within or outside the bank? Should this be proprietary or open?” FI FI FI FI FI Portal 代理商 代理商 代理商 Direct Clients 内容 非金融机构 门户
Discussion - China Fund Distribution ASP ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PDNet Example – More … ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
PDNet Example – More … ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Wealth Management
财富管理的客户差异 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],? Note: Products and channels will be discussed later
What is Wealth Management? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],“ Where is the $$$? Financial Planning is just a mean.”
问题 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Octasoft Wealth Management Architecture 1.0 Financial Planning 1. Risk Appetite 2. Investment Targets 3. Investment Analysis 4. Strategy Proposal 5. Product Recommendation Multi Financial Institutions Product Launch Deal Execution News & Contents Investment Portal Multi-FI Portfolio Aggregation 1. Balances 2. Debt Portfolio 3. Investment Portfolio 4. Daily & User Activated Derivatives BackOffice 1. Deals Tracking 2. Deals Settlement 3. Mark-to-Market 4. Accounting & Credit Feed 5. Statistics FI FI FI FI FI FI “ The most integrated, end to end solution for Wealth Management.” FI Financial Institutions
Financial Planning
顧客知識 基金 存款 外匯 信用卡 保險 股票 新聞 研究 促銷 教育 股市 債市 貨幣市場 匯市 產品知識 市場知識 理財內容 財務 態度 目標 行為 人生階段 Aggregation Model Financial Planning The Financial Aggregation Model
● Service Request ● Profile Information ● 所有帳戶明細同步化 ● 新聞、資訊 ● 廣告 ● 市場資訊、產品資訊 ● Service Request ● Profile Information ● 投資策略 ● 客製化分析 ● Service Subscription Application Service Model - FP Service Triangle 理財日記 理財應用入口 理財寶典 理財規劃分析 全方位理財網 線上服務 資訊、新聞
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Financial Planning Cycle
[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Benefits of Financial Planning Initiatives
Financial Planning Modules NETWORTH Module CASHFLOW Module Financial Planning Panel Risk Profiling Module Rule Based Suggestion Module Financial Calculator Module Asset Allocation Strategy Module Goal Planner Module Insurance  Needs Module Product Mapping Module FP Report Module Financial Ratio Module To show the summary info of  personal finance info To test the client’s risk tolerance  regarding investment risk To calculate the needs of  Insurance coverage To calculate personal diverse  financial goals and savings plan To give suggestion whether the goal Setting is reasonable or not To retrieve the relevant product  info mapped with personal  financial needs To visualize the future cash flow  based on personal finance input and assumptions To calculate important financial  ratios of personal finance  To print out the summary report  and recommendation of personal  finance  To input calculate personal income statement and balance sheets To map with the strategies that  suits for personal financial plan Various financial calculators  General Base Custom Base To be enhanced
Financial Planning Panel 1  顧客登入 2  風險承受測試 3  擬定投資目標 4  收支分析 5  策略建議 6  產品建議 7  目前持有部位 理財健診 長流程 短流程 Financial Planning Process
Financial Planning – My Portfolio
Financial Planning - Financial Planning Panel
[object Object],[object Object],[object Object],[object Object],[object Object],产品效益   创造正向循环的营运模式 行销 -- 主动性与交叉性的行销机制 提升客户满意度 客服 -- 加强与客户互动 增加营收、降低营运成本 交易 -- 串连信息流与金流 促进客户造访率与忠诚度 信息 -- 完整的理财循环 效益 目标
Architecture
网上银行门户的趋势 ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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香港六合彩

  • 1.
  • 2.
  • 3.
  • 4.
  • 5.
  • 6.
  • 7.
  • 8.
  • 9.
  • 10. Multi-Bank Liquidity Management, Example - Bank Y Internet Banking Phase 1 – Balance Consolidation Phase 2 – Sweeping Funds “ No need for the banks to cooperate, Actually they don’t even know.” Bank Y Multiple 3 rd Party Banks
  • 11. 5 . Central Product Warehouse
  • 12.
  • 14.
  • 15.
  • 16.
  • 17.
  • 18.
  • 19.
  • 20. PDNet For Financial Product Cycle
  • 21. PDNet Example 1 - Bank X Treasury Products Distribution Augmented by Managed ASP Services White Label Bank Branches Agents Distribution Network Customers White Label Bank Branches Agents Distribution Network Customers Hong Kong ASP Bank X License China Taiwan Korea Bank X Europe Bank X Latin America Bank X Internal Community White Label External Community
  • 22.
  • 23.
  • 24.
  • 25.
  • 26.
  • 28.
  • 29.
  • 30.
  • 31. Octasoft Wealth Management Architecture 1.0 Financial Planning 1. Risk Appetite 2. Investment Targets 3. Investment Analysis 4. Strategy Proposal 5. Product Recommendation Multi Financial Institutions Product Launch Deal Execution News & Contents Investment Portal Multi-FI Portfolio Aggregation 1. Balances 2. Debt Portfolio 3. Investment Portfolio 4. Daily & User Activated Derivatives BackOffice 1. Deals Tracking 2. Deals Settlement 3. Mark-to-Market 4. Accounting & Credit Feed 5. Statistics FI FI FI FI FI FI “ The most integrated, end to end solution for Wealth Management.” FI Financial Institutions
  • 33. 顧客知識 基金 存款 外匯 信用卡 保險 股票 新聞 研究 促銷 教育 股市 債市 貨幣市場 匯市 產品知識 市場知識 理財內容 財務 態度 目標 行為 人生階段 Aggregation Model Financial Planning The Financial Aggregation Model
  • 34. ● Service Request ● Profile Information ● 所有帳戶明細同步化 ● 新聞、資訊 ● 廣告 ● 市場資訊、產品資訊 ● Service Request ● Profile Information ● 投資策略 ● 客製化分析 ● Service Subscription Application Service Model - FP Service Triangle 理財日記 理財應用入口 理財寶典 理財規劃分析 全方位理財網 線上服務 資訊、新聞
  • 35.
  • 36.
  • 37. Financial Planning Modules NETWORTH Module CASHFLOW Module Financial Planning Panel Risk Profiling Module Rule Based Suggestion Module Financial Calculator Module Asset Allocation Strategy Module Goal Planner Module Insurance Needs Module Product Mapping Module FP Report Module Financial Ratio Module To show the summary info of personal finance info To test the client’s risk tolerance regarding investment risk To calculate the needs of Insurance coverage To calculate personal diverse financial goals and savings plan To give suggestion whether the goal Setting is reasonable or not To retrieve the relevant product info mapped with personal financial needs To visualize the future cash flow based on personal finance input and assumptions To calculate important financial ratios of personal finance To print out the summary report and recommendation of personal finance To input calculate personal income statement and balance sheets To map with the strategies that suits for personal financial plan Various financial calculators General Base Custom Base To be enhanced
  • 38. Financial Planning Panel 1 顧客登入 2 風險承受測試 3 擬定投資目標 4 收支分析 5 策略建議 6 產品建議 7 目前持有部位 理財健診 長流程 短流程 Financial Planning Process
  • 39. Financial Planning – My Portfolio
  • 40. Financial Planning - Financial Planning Panel
  • 41.
  • 43.